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15 Best Balance Transfer Cards with 0% intro APR of May 2024

Updated May 15, 2024

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A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges. The best balance transfer credit cards available from our partners have introductory 0 percent APR offers lasting 15 to 21 months, allowing you to avoid paying interest on a transfer until mid-2025.

Read on to learn more about our picks for the best balance transfer cards of May 2024.

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Info
Best for balance transfer beginners
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Info
BEST FOR EVERYDAY SPENDING
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

APR

1% - 3%

Rewards rate

Info

Annual fee

BEST FOR LOW FEES
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

1% - 2%

Rewards rate

Info

Annual fee

Info
Best for good credit
Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 5%

Rewards rate

Info

Annual fee

Info
Best for 2 percent cash rewards
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

2%

Rewards rate

Info

Annual fee

Best travel and balance transfer card
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

1.5X

Rewards rate

Info

Annual fee

Info
BEST FOR GROCERIES
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

APR

1% - 6%

Rewards rate

Info

Annual fee

Info
BEST FOR CUSTOMIZABLE REWARDS
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 3%

Rewards rate

Info

Annual fee

Best for low ongoing interest rate
Rating: 3 stars out of 5
3.0
Info
Apply now Lock
on USAA's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Best for dining and drugstores
Rating: 4.8 stars out of 5
4.8
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

1.5% - 5%

Rewards rate

Info

Annual fee

Only Available in 15 East Coast States and D.C.
Best for late fee refunds
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on TD Bank's secure site
See Terms
Info
Recommended Credit

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Only Available in 15 East Coast States and D.C.
Best cash back card with low balance transfer fee
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on TD Bank's secure site
See Terms
Info
Recommended Credit

Balance transfer intro APR

Regular APR

2% Cash Back

Rewards rate

Info

Annual fee

Info
Best for automatic bonus category
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 5%

Rewards rate

Info

Annual fee

Only Available in 15 East Coast States and D.C.
Best for unlimited 2 percent and 3 percent cash back categories
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on TD Bank's secure site
See Terms
Info
Recommended Credit

Balance transfer intro APR

Regular APR

Earn 1% Cash Back - Earn 3% and 2% Cash Back

Rewards rate

Info

Annual fee

Info
Best for unlimited 1.5 percent cash back
Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1.5%

Rewards rate

Info

Annual fee

Best for no penalty APR